As someone who really enjoys rewards programs, keep those scams alive!
You lose a lot of consumer protections and many cashback rewards by using only Debit cards. The only drawback to credit cards is the interest, if you don't pay it off at the end of the month. So long as you're responsible with your spending, it's a direct upgrade.
That in turn is not surprising – the split is very much correlated with socioeconomic status (to the point where quite a few of the people working on debit card products have never themselves used a debit card to pay, in my experience).
> The only drawback to credit cards is the interest [...]
Which is a significant drawback if your bank account balance regularly oscillates around zero and/or you've seen your peers get in financial trouble from credit card debt.
My day-to-day wallet just contains a debit card so that gets used for almost everything else.
Internet transactions are usually done using Revolut because then I can use a disposable card number.
All of our card transactions are with a debit card.
I've never needed instant-access debt so it's not really an attractive proposition. Perhaps the added consumer protection rules could be worth it, but it's not been an issue to date.
I hope that rewards cards go away, because they distort the market, but I'm going to use them while they're here. Rewards cards push costs onto customers that don't use them, and I don't want costs pushed onto me.